The average driver in South Dakota pays about $1,158 a year for full coverage — about 19% less than the US average of $1,438. That ranks South Dakota #40 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $556, a high-loss one well over $8,528.
South Dakota insurance cost by coverage
Average South Dakota premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in South Dakota
South Dakota legally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in South Dakota
Estimated annual premium in South Dakota, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
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- …and much more
Most expensive cars to insure in South Dakota
The priciest cars to insure in South Dakota — powerful, theft-prone and costly to repair.
South Dakota insurance cost by year
South Dakota premiums are up about +24% since 2019. Average South Dakota premium by year:
| Year | South Dakota avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in South Dakota's largest cities
Rates vary within South Dakota by city and ZIP — dense metros like Sioux Falls run above the state average, while smaller towns run below. Estimated typical premium in South Dakota's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Sioux Falls | $1,274/yr | +10% urban |
| Rapid City | $1,239/yr | +7% urban |
| Aberdeen | $1,216/yr | +5% urban |
| Brookings | $1,204/yr | +4% urban |
| Watertown | $1,181/yr | +2% urban |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.